CN1138723A - Multi-application data card - Google Patents

Multi-application data card Download PDF

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Publication number
CN1138723A
CN1138723A CN96105517A CN96105517A CN1138723A CN 1138723 A CN1138723 A CN 1138723A CN 96105517 A CN96105517 A CN 96105517A CN 96105517 A CN96105517 A CN 96105517A CN 1138723 A CN1138723 A CN 1138723A
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China
Prior art keywords
card
data
application
publisher
transaction
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Pending
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CN96105517A
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Chinese (zh)
Inventor
道格拉斯·C·泰勒
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Individual
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Individual
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/29—Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Abstract

A multi-application data card is capable of substituting for a plurality of existing single-application data cards. The multi-application data card is preferably a smart card recording data relating to a card user and a plurality of card issuers. The following fields are associated with each card issuer: an application code field indicating a type of application provided for the user by the issuer; a PIN field identifying the user; an access code field whereby the card issuer can have access to the fields associated with that issuer but not to fields associated with any other issuer; an account number field; an expiration date field; and a miscellaneous data field provided for the issuer to record additional data to facilitate its operations. The fields associated with each issuer are separate from the fields associated with every other issuer.

Description

Multi-application data card
The present invention relates to data card, can replace multiple existing single multi-application data card, also relate to the system and method that adopts this card with data card more specifically to a kind of.
Generic term " data card " not only comprises all various finance cards but also comprises various other cards that comprise non-financial data.Term " finance card " comprising: credit card, debt-credit card, A.T.M＜auto-teller〉card and other comprise the card of financial data.See that by other viewpoint only quote some examples, data card comprises: oil company's card, department store card, check-out card, hotel card and civil aviaton's card.
Data card is very general now; Their application has been increased to such degree, if people is movable in modern society, the user of various cards will find to carry that the card that all seems needs is not suitable for and burden.
For the problem of the growth that solves card, the past had had very formula attempt.For example, some publisher of " general " credit card (for example Amencan Express, Visa, Master charge) has persuaded a lot of enterprises, comprise for example enterprise of their credits card of distribution such as department store, oil company, company of civil aviaton and rent-a-car office, except the card of issuing respectively by department store, oil company etc., accept all-prupose credit card.The card that also has common inscription seal mark in addition.Even do like this, do not have single by the credit card of common acceptance, and the publisher who does not predict any single credit card as yet for example American Express, Visa, Master Charge etc. who is accepted by whole domestic or world wide probably on earth.
Therefore, already present on the market now, and it is general, not only creditable card, and also have debt-credit to block and various other finance-transactional cards, additional data card and form, they often can not be read by machine, for example are used for that driver's licence, building safety are maintained secrecy, insurance business, personal identification differentiate or the like.
In data designated card type class scope, there are a variety of magnetic stripe cards and so-called " intelligence " (Smart) to block.General magnetic stripe card capacity is restricted.Smart card is not also used so widely, but manifests huge future because they have remarkable ability.These two kinds of readout devices that calorie requirement is different.In fact, smart card has two types at least; Adopt electric contact and what is called " non-reading touched " formula smart card.A kind of of The latter reads on the terminating machine of A.T.M or point of sale; For Card Reader does not need electric contact.
In order to replace, change or the uniform data card, exist and fail the great demand that satisfies so far,, enumerate above comprising with other transaction and only portably use a card so that a lot of data card publisher can be illustrated in single data card is inner and make the user for all types of transaction.
Also have such needs make seller separately or the concentrated area can reward point value (Points) and follow the tracks of this award effectively frequent use.For example, prevailing system to civil aviaton's mileage freight rate premiums is a trouble, require the passenger when booking, to notify number number of his aircraft of often taking advantage of of air ticket reseller and require company of civil aviaton to prepare regular report, with the current state of the award accounts of notifying the passenger in non-written mode.
Also need to eliminate trouble and the disturbance of adopting the marketing system of promotional items by supermarket and similar shop.In order to obtain discount, client's disapprove is subdued in the shop or the coupon that often sends on newspaper.Wish very much a kind of replacement system, system is historical according to buying now and/or buying automatically like this, keeps following the tracks of the discount of buying and rewarding automatically or follows the tracks of the award of using equivalence prize volume and otherwise carrying out because of trade mark is malfunctioning.
Very clear, owing to lack the suitable mode that is used to implement, the prospect of so-called cashless society is pushed late.
An object of the present invention is to remedy the problem of the prior art existence of summarizing above.More particularly, an object of the present invention is to provide and a kind ofly can substitute multiple (really for all) existing single multi-application data card with data card (whether is to engrave franking jointly regardless of them).
Another object of the present invention provides a kind of system, and it comprises at least one multi-application data card and at least one such data card readout device that constitutes, and makes single data card can substitute the multiple existing data card of singly using.
Another object of the present invention provides a kind of method, and it adopts at least one multi-application data card and at least one data card readout device, and the step that comprises makes and can substitute the multiple existing data card of singly using with a multi-application data card.
Another object of the present invention provides a single sheet type data card, can be carried by anyone, makes anyone carry one and blocks and only need a card.
And realization other purpose above-mentioned according to the present invention is can substitute multiple existing single multi-application data card and this card with data card and comprise the memory storage that is made of three memory banks at least by providing a kind of, is used to store and at least one approved holder and at least two kinds of data that approved application is relevant of upgrading respectively with this card.
According to an aspect independently of the present invention, provide a kind of and can substitute multiple existing single multi-application data card with data card, this card comprises and a kind ofly is used to utilize the magnetic stripe that can read with the data card readout device of a magnetic stripe card compatibility and one to be used to utilize the solid-state circuit that can read with the data card readout device of a smart card compatibility.
According to an aspect independently of the present invention, a kind of system is provided, it comprises at least one multi-application data card, at least one data card readout device, and, be used to store and upgrade respectively and at least one approved holder of this card and at least two kinds of data that approved application is relevant of this card by the storage arrangement that at least three memory banks constitute.Readout device comprises: first data channel makes this holder can select wherein a kind of application, and second data channel of two memory banks of turnover access, one of them access comprises the data relevant with the holder with memory bank, and another access comprises the data relevant with selected application with memory bank.
If this card is a smart card, then memory storage is positioned on the part on the card at least.
If this card is a magnetic stripe card, then memory storage then at least the position partly away from readout device; And utilize data line to be connected on the readout device.
According to another aspect independently of the present invention, a kind of method is provided, it adopts at least one multi-application data card and at least one data card readout device.The step that this method comprises is to form at least three memory banks, is used to store and upgrades respectively at least two kinds of data that approved application is relevant with card with at least one holder who is authorized to of card.On readout device, be provided with first data channel,, and provide second data channel, be used to pass in and out two memory banks of access so that can make the holder select wherein a kind of application.One of them access comprises the data relevant with the holder with memory bank, and another access comprises the data relevant with selected application with memory bank.
By analyzing the following detailed introduction purpose that the present invention may be better understood, feature and advantage to the preferred embodiments of the present invention.Wherein:
Fig. 1 is the synoptic diagram of intelligent multi-application data card, represents finance and other record of comprising on it;
Fig. 2 be according to of the present invention can with the synoptic diagram of a system of smart card and magnetic stripe card compatibility;
Fig. 2 A represents according to the card according to smart card and magnetic stripe card formation of the present invention;
Fig. 2 B represents the reverse side according to data card of the present invention, is shown with the clear area that is used to card possessor signature;
Fig. 3 is the system flowchart or the software synoptic diagram of senior multiple-use card;
Fig. 4 is an example of the software flow pattern relevant with the readout device terminal;
Fig. 5 is a representative of the record of the application different with Fig. 1;
Fig. 6 is the process flow diagram of an example of the layout of card;
Fig. 7-11 is process flow diagrams, each letter indication that several pages mutual relationship utilization indication is shifted, and expression is used a example at various different operatings according to multifunctional intellectual card of the present invention or magnetic stripe card.
Fig. 1 represents the multi-application data card that is made of plastics in a usual manner to comprise the name with 12 solid-state circuits that schematically illustrate and approved holder.Card 10 is smart cards, and solid-state circuit 12 comprises microprocessor and the memory chip that places card inner.Memory chip has the information with several printer paper equivalent.The case representation of some data of record is on Fig. 1 on card.Therefore, the a lot of application, comprise American Express, Visa, the various oil companies of Master Charge Discovery, various hotel and various civil aviaton can with PIN (identification number), account number, expiry date, account's's (or access or seller) code, and to each independent account's various records, add many-sided miscellaneous data record together.This account, access or seller code are the private codes of each seller, make seller only can change data on the seller part of card.Memory project ranks comprise frequency data for example, with the connection thing of the award point value of a plurality of seller etc.Miscellaneous ranks are used to write down a specific seller may wish additional data that writes down and so on.
In Fig. 1, card 10 also comprises the information of record printing in its surface or compacting except holder's name.For example, this information can comprise address or other possible information, for example holder's social insurance number and telephone number.Identical information can be alternately or additionally is provided in the memory chip of inserting card 10.This information all is available for everyone: holder oneself also has all to need to show the dealer of this card to it certainly.Therefore, need not utilize the additional information of representing among Fig. 1, these information just are enough to be applied to many purposes, for example provide the award reward voucher to the client who selects by interactive television to do shopping.
Fig. 2 represents the smart card 10 with the mutual exchange message of card readout device/writing station 14 (for easy, hereinafter referred to as blocking readout device).Block the smart card 10 that readout device (card reader) 14 not only can be read to be inserted in the groove crack 16, but also can read to be inserted in the magnetic stripe card 18 in the groove crack 20.The card readout device can write with the smart card cooperating, so that upgrade the various records on it.Under the situation of magnetic stripe card, record be updated in a position far away, as explaining hereinafter.
Shown in Fig. 2 A, can comprehensively be a single multiple-use card 22 with smart card 10 and magnetic stripe card 18, it has one and utilizes the magnetic stripe of reading with the card readout device of magnetic stripe card compatibility 19 and use the solid-state circuit of reading with the card readout device of smart card compatibility 12.The reverse side that comprises the clear area S that signs that blocks shown in Fig. 2 B presentation graphs 2A.The card readout device can as shown in FIG. 2, perhaps can provide several card readout devices with two kinds of read out functions comprehensively in single device, one is used to read magnetic stripe card, and another is used for chip card reader.
Other data card example that need not represent on accompanying drawing comprises: duty free shop, shipping, traveller's check, booking, CATV (cable television)/satellite receive TV (interaction formula), health care, phone, foreign currency use, vending machine, key cipher, driver's license, insurance data, passport, vocal print, finger mark, signature and supermarket.Be not only credit card trade and loan transaction and non-financial transaction all within the scope of the present invention.
Under any circumstance, the card readout device comprises first data channel, can make the holder select a kind of specific application, for example American Express, Visa or the like.First data channel comprises for example key plate 24, utilizes its holder can select desirable application item.
According to the present invention, form three memory banks at least, be used to store and upgrade the relevant data of at least two kinds of application of authorizing holder and card respectively with at least one.If this card is a smart card, then storer has at least a part to be arranged on the card.On the other hand, if this card is a magnetic stripe card, then memory location has a part at least not in the card readout device, and is connected thereto by data line.
In Fig. 2,14 utilizations of card readout device are connected to one with 26 data lines that schematically illustrate and comprise on the remote location 28 of database processing device 30.Treating apparatus 30 can comprise a principal computer and peripherals, in order to not only by readout device 14 but also received and process information by the numerous similar readout device at various diverse locations place.
Sweep pre-programmed mandate by circuit 32 control of carrying out " dialogue " with database processing circuit 30 continuously.These pre-programmed mandates comprise as (local as in disclosure text other here with 34,36, the 38 and 40 finance/banking businesses that schematically illustrate, civil aviaton, hotel, oil company etc. in Fig. 2, this enumerating only is intended to illustrate or for exemplary, is not completely).Handle and feed back to circuit 30 at readout device 14 and the initial information updating of similar readout device by circuit 42 according to transaction.According to the situation of transaction, the smart card that uses in order to approve this transaction can carry out more new data according to the result of transaction.According to the notion of disclosure text, ordinary person in the art can above-mentioned steps easy to implement.
Fig. 3 is with the running of more detailed mode interpre(ta)tive system.The insertion readout device be will block in step 44, personal identification number or PIN number selectively imported in step 45.Selectively discern signature (or vocal print etc.) in step 46.Utilize the input media of establishing at readout device (keyboard, mouse) to select desirable application in step 47.To use in step 48,49,50 and 51 and can be defined as specific hotel, oil company, leasing company or a civil aviaton, or their combination.As the ordinary person in present technique field is understandable, when selected desirable application (or some application), by press enter key 52 and 53, its (or they) imported.
Confirm or approve this transaction in step 54,, carry out database processing in step 56.This processing comprises every transaction, calculating and stores the preferential volume of long-term client, and for example long-term birdman's traveling expenses are preferential, trade discount and the processing carried out possibly according to the character of selected application and transaction.
As schematically illustrating in step 60,61,62,63 and 64, preprogrammed chain 58 sends to each suitable place with the data of the processing relevant with banking, report, renewal number, clearing, seller etc.From the more new data of these different places and be fed to data processing circuit 56, and if suitably, feed back to the card readout device that is used to upgrade the data that have been stored on holder's card.
Fig. 4 represents how single readout device terminal 14 can handle magnetic stripe card and smart card.At step 65 start-up procedure, 66, measuring the card that inserts is magnetic stripe card or smart card.If be magnetic stripe card, read account number 67, at 68 transmission accounts.Provide user's accounts (application) table 69, and select one and affirmation 70.Receive this mandate 71, print a bill 72.
If the card that determine to insert in step 66 is a smart card, then read, in 76 application of selecting preferred card 74.In step 78 with its transmission and confirmation.Alternatively use personal identification number or PIN code 80, adopt relevant safe and secret part, for example vocal print, finger mark or photo (or signature etc.) 82.Receive this mandate 84, in 86 data of upgrading and storing smart card.Print bill 88.
Adopt card of the present invention as a credit card situation under, specify a tame credit card company if the user specifies different companies to give tacit consent to, same, also can give tacit consent to some mechanism or company for other selections that provide for the holder.
According to the present invention can also for a company for example American Express. issue a kind of card, and will rent for example Visa of another company, and/or write down dealing money with transaction of other company for utilizing this to stick into row in the clear area on this card.
Never need to reissue according to card of the present invention; For example the expiry date for every single application can upgrade at any time along with the use of card, and the holder can use same card throughout one's life.
Preferably use smart card of the present invention.Because smart card has confidentiality preferably, does not need to use data line, a smart card can have higher trading limit.Therefore, transaction is authorized in advance.Be it seems that by another viewpoint smart card can be authorized voluntarily, for some transaction, system can constitute like this, makes it not need to obtain the permission authentication (Clearance) of central authority.Avoid using data line to save expense and time.To reduce the possibility of deception and make publisher save issuing expenses by the improved secret and safe that smart card provided used according to the present invention.
When this card is used card frequently as one, for example between American Express HyattHotel United Airlines and Hertz, can be easy to become a kind of Tong Huika.
This card is applicable to commercial and the individual uses.Charge if for example follow the tracks of Cha Suo civil aviaton mileage, determine that mileage charges to reward,, then can use immediately, only card is provided to the card readout device and imports suitable instruction and get final product if be recorded on the card.Stamp expense when this has just reduced the transaction of each choosing row.
Wherein a kind of application of this card is as the cash card that has certain amount in cash, therefore no longer needs tourist's trading check.Under the situation of multiple currency, can realize, therefore the tourist be so as to not make and carry multiple xenocurrency.
In any application, this card can be encrypted in order to safety, can adopt any routine or unconventional encryption system encryption.
The ordinary person in present technique field should be readily appreciated that and can utilize suitable terminal to show with the sound and the picture signal of digital form encryption for sound and signal by record on card.
This card can carry out communication with the computing machine with " personal computer memory card " notch (P.C machine, laptop, palm formula, bag type etc.), thereby provides calendar, date to approach and check-book.Utilize an adapter, can in the PCMC notch, use smart card, read and write data to it by it.The user of card utilizes computing machine access data (with some data of change) on card then.If this computing machine has modulator-demodular unit, it just becomes a terminal, therefore can conclude the business.In addition, if the phone of band read-write capability, then it is applicable to the present invention.Also can adopt other can carry out the device of read-write capability.
Because this card can be stored the numerical value of each utilization of a loan, so this card can be used for block trade.
Except will being limited, the relevant data of holder that can be provided on the card are provided with restriction according to the effectiveness of money.For example, select in the combination that these data can be made of following data, these data are: described holder's medical case history; Described holder's insurance record; Described holder's driving license; Described holder's passport; Described holder's financial records; Described holder's digitized fingerprint; Described holder's digitized vocal print; Described holder's secret code; Described holder's commerce-award point value.
Similarly, except the effectiveness of money according to card applies the restriction, without limits to the data relevant with application.Select in the combination that these data can be made of following data, these data are: holder's prepaid transaction; Holder's credit card trade; Holder's debt-credit transaction; The cash transfer of holder's electronics mode; Holder's health care expense accounts; Holder's insurance transaction; Holder's commerce is rewarded the point value transaction; Civil aviaton's booking transaction of holder; Holder's train booking transaction; Holder's motorbus booking transaction; Holder's the transaction of booking by ship; Holder's arenas booking transaction.
Fig. 5 represents another example of typical application records.Can optionally replace the record shown in Fig. 1, perhaps with the characteristic synthetic of Fig. 1 and Fig. 5 in single system.Fig. 5 is divided into seven row, and each column heading is respectively " card issuer ", " application code ", " PIN number ", " seller access code ", " account number ", " expiry date " and " miscellaneous data ".
" card issuer " row comprise (by way of example): AMEX, KFC, Any Card, VISA (debt-credit), VISA (credit) etc.
" application code " row refer to following each application (with way of example): credit, debt-credit, prepayment, Bonus Reward or the like.These and other application below will be studied in more detail.
The 3rd row provide a kind of PIN number as an example, for individual's 4 digit number of the end user who blocks.Certainly, this PIN number does not appear on the surface of card, has only approved card end user and Ka publisher to know.During use, the end user is with card lock.This is a kind of anti-non-safety practice through licensing.This PIN code is used all identical expression to all, and the end user can find it easily, but, can be different for several application certainly.Use different PIN numbers can make the end user lend this card (for example lending the employee) for different application, do not allow the individual that uses of card to utilize this to stick into the general purchase of row simultaneously for some purpose (for example buying oil) as company's automobile.
The 4th row are relevant with the seller access code.Utilize this code, make other card publisher of each marketing method can utilize the various piece of required record, be convenient to this seller (publisher) and conclude the business, do not allow other seller (publisher) and third party generally to utilize some secret part of record simultaneously.
The 5th row are used for account number.Account number by specific seller or other card publisher appointment is different to each end user certainly, and available to every kind of application of same end user is different.For example, VISA can adopt with same card end user for the debt-credit transaction and be used for the different account number of credit card trade employing account number.On the contrary, VISA can select to adopt identical account number for two types of transaction that same end user carries out.
The 6th row provide the expiry date (for example in May, 96) of card.Point out that as top this date and the out of Memory on card can utilize electric mode to change and need not to issue new card.Therefore single card specifies the end user to use throughout one's life to one in principle.
The 7th row are used for miscellaneous data, for each seller or other card publisher preservation, so that write down the additional data that this seller may need.
Fig. 6 is illustrated in the layout situation of the outer card that begins of step 101.In step 102, determine whether the card of application is a smart card.If be to block in the intelligent card interface groove crack of inserting readout device in step 104 or remain on the conductive area radius inside of readout device interface.In step 106, select and import a PIN, password, signature or digitally coded photo so that card examine approval.
In step 108, various application records are write in the storer geographical area of smart card by the fate distance.These write down its length is fixing or variable.In step 110, increase and to comprise predetermined various application of using, if exist then represent mutual relationship between the various application.
In step 102,,, determine if it is a magnetic stripe card then in step 112 if determine that this card is not a smart card.If be, this card to be inserted into the magnetic stripe interface slot crack of card readout device in step 114.In step 116, select and import PIN, password, signature or the digitally coded photo of the affirmation permission that is used to card.In step 118, application records is write central database by presumptive area.As in the situation of smart card, the length of these records can be that fix or variable.
In step 120, increase and to comprise predetermined various application of using, if exist then represent mutual relationship between the various application.
If determine that in step 102 this card is not a smart card, in step 112, determine it is not a magnetic stripe card, show the information of the reflection mistake that produces in step 122, so understand other cards that this card may be this or the sort of pattern.Continuing produces the wrong information of reflection in step 122, and program turns back to step 102.
Continuing increases application in step 110 or 120, determines in step 124 whether the editor of card is finished.Were it not for, program loop turns back to step 102.If finish the approval of card, in the program of the layout of step 126 end-card.
Fig. 7 is illustrated in 131 software programs that begin to be used to read magnetic stripe card or smart card.In step 132, the card of determining the place is magnetic stripe card or smart card.
The false beginning determines that in step 132 card at place is a magnetic stripe card, then in step 134, reads account number, in step 136 account number is delivered to a position far away.In step 138, import the PIN number or obtain the another kind of privacy protection feature of for example confirming digitally coded signature.
In step 140, determine whether to finish and examine permission.Were it not for, program loop turns back to step 134.If determine to finish in step 140 and examine permission, program proceeds to Fig. 8, will introduce below.
If in step 132, the card of determining the place is a magnetic stripe card, then reads this card in step 142.In step 144, selectively import the PIN number, perhaps carry out the affirmation of digitally coded signature in another secret step.
In step 146, determine whether to finish and examine approval.If no, program loop turns back to step 142.If determine to have finished in step 146 and examine permission, program proceeds to Fig. 8.
In the step 151 of Fig. 8, the application that determined whether preliminary election.Were it not for, in step 152, the card end user carries out application choice, and for example prepaid transaction, credit card trade, debt-credit transaction or frequency are with concluding the business.Continue and determine in step 151, define the application of a preliminary election, perhaps in step 152, continued by the end user and to select, in step 154, this program is selected account record from card.
In step 156, determine whether required transaction is financial transaction.If be not, to determine whether required transaction is non-financial transaction then in step 158.If determine that in step 156 this transaction is not financial transaction and determines it is not financial transaction in step 158, then in step 260, produce the information of a reflection mistake, and program loop turns back to step 156.
If in step 156, determine that required transaction is a financial transaction,, determine whether this financial transaction is what prepay then in step 162.If fruit is in step 164, by lending amount of money in the balance accounts.If do not prepay at the definite required financial transaction of step 162, program proceeds to Fig. 9, will introduce below.
Continue and borrow or lend money amount of money by the balance accounts, then determine whether the related application of a pre-programmed in step 168 in step 164.If there is program loop to turn back to step 154.Otherwise determine in step 170 whether the end user attempts to select another kind of related application.If be, other application choice is shown, and program loop to turn back to step 154 in step 172.Were it not for and select another kind of related application, as really writing in step 170, then program proceeds to Figure 11, will introduce below.
If in step 158, determine that this transaction is non-financial transaction,, the cash value of amount of money be transformed into point value then in step 174.In step 176, determine whether the repayment of the point value of accumulation needs then.If be, upward to deduct suitable point value in the remaining point value by card in step 178.If in step 176, determine that this repayment does not need,, determine whether this accumulation needs then in step 180.If be not, in step 182, produce the wrong information of knowing of reflection, because be appreciated that and need the repayment value or need accumulated value, so program loop turns back to step 176.
If in step 180, determine that accumulated value is required,, the point value that increases be increased on the point value of previous accumulation on the card then in step 182.In step 184, determine whether the relevant application of a pre-programmed.If have, program loop turns back to step 154.Otherwise, determine in step 186 whether original meaning is selected another kind of related application to the end user.If original meaning shows this another kind application choice in step 188, program loop turns back to step 154.If determine in step 186, end user not original meaning selects another kind of relevant the application, and program proceeds to Figure 11, hereinafter will introduce.
If in step 156, determine that the transaction that needs is a financial transaction, and, determine not prepay,, determine whether this transaction is credit card trade then at step 191 (Fig. 9) in step 162.If be, to determine whether to have selected pre-programmed card publisher in step 192.Were it not for and select pre-programmed card publisher, select a personality card to sell the people in step 194.
Continue and sell people's selection or determined whether to select the publisher of pre-programmed card, sending out 196 input one PIN, passwords rapid, sign or be used to the digitally coded photo that card is examined approval in step 192 at the special bayonet lock of step 194.In step 198, determine whether to finish the approval of card.Were it not for, program loop turns back to step 196.When the approval of having determined to finish card in step 198, on step 200 is added to suitable expense amount at that time the balance accounts, and the application records that is updated in card.Program loop turns back to the step 168 among Fig. 8 then.
If determine that in step 191 (Fig. 9) this transaction is not a credit card trade, then determine in step 202 whether this transaction comprises the electronic type transfer of funds.If be not, in step 204, show the information that reflection is wrong, this is because this transaction is not in scope in the cards.
If, determine this transaction electronic type transfer of funds in step 202, then program proceeds to Figure 10.
In step 211, input is used to card and examines the PIN of permission, password, signature or digitally coded photo.In step 212, determine whether to finish the permission of examining of card.Were it not for, program loop turns back to step 211.If in step 212, determine to finish the approval of examining of card, then determine in step 214 whether its numerical value is shifted by this card.If be, in step 216, shift this numerical value by this card, carry out the transfer of fund in step 218.
If determine that in step 214 this numerical value is not to be shifted by this card, then determine in step 220 whether this numerical value will be transferred on this card.If be, in step 216 this numerical value is transferred on this card, and the transfer of carrying out fund in step 218.
If determine this numerical value neither also do not transfer on this card in step 214 and 220, then produce reflection wrong indication and demonstration, and program loop turn back to step 214 in step 222 by this card transfer.
Continue in the transfer of the fund of step 218, program turns back to the step 168 among Fig. 8.
No matter when determine not select another kind of related application (Fig. 8) in step 170 or 186, program proceeds to Figure 11.On this figure, carry out suitable subroutine in step 231.This comprises the information of renewal and transmission and banking, report, renewal, clearing and sale relating to persons.In step 232, dynamic data upgraded and be stored on the card (if being a smart card) or on central treating stations (if this card is a magnetic disk card).The end user shows suitable information to card, carries out the balance unanimity of database.Original skilled person in the present technique field will be understood that how to realize these functions.
Make the card end user have an opportunity to require invoice.In step 234, whether Hu Ding has required to give invoice.If print in step 236.In both cases, the end user takes out this card in step 238.
Therefore a kind ofly can substitute multiple existing singly with the novelty of data card, multi-application data card efficiently according to the invention provides, a kind of system wherein, can adopt this card and uses by priority, and a kind of method that adopts this card.For person skilled in the art, will be easy to realize a lot of improvement and expansion to top disclosed the preferred embodiments of the present invention.Therefore, the present invention who constitutes according to all embodiment that comprise is within the protection domain of the claim that is proposed.

Claims (4)

1 one kinds of smart cards are used to write down and block end user and a plurality of card publisher and the data relevant with each publisher, comprise following district:
The application code district indicates by the publisher to the available application type of end user;
Identification end user's PIN district;
The access code district blocks the publisher whereby and can use the district relevant with this publisher, but can not use the district relevant with other publisher;
The account number district;
The expiry date district; And
The miscellaneous data district is provided for the publisher and writes down additional data, carries out the business relevant with the end user with convenient;
Wherein, each relevant with each publisher district is to separate with respectively distinguish relevant with each other publisher.
2 smart cards according to claim 1, the type of application wherein comprises financial transaction.
3 smart cards according to claim 1, application type wherein comprises non-financial transaction.
4 smart cards according to claim 1, application type wherein are by comprising credit card trade, debt-credit transaction, selecting in the combination that prepaid transaction and Bonus Reward transaction are formed.
CN96105517A 1995-02-28 1996-02-27 Multi-application data card Pending CN1138723A (en)

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US395575 1995-02-28
US08/395,575 US5578808A (en) 1993-12-22 1995-02-28 Data card that can be used for transactions involving separate card issuers

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CN1138723A true CN1138723A (en) 1996-12-25

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CN (1) CN1138723A (en)
AU (1) AU700543B2 (en)
CA (1) CA2170327A1 (en)
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GB (1) GB2298505B (en)

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CA2170327A1 (en) 1996-08-29
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US5578808A (en) 1996-11-26
GB2298505A (en) 1996-09-04

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